Auxiliary banking means



H. B. KLINE Jan. l2 1926.

AUXILIARY BANKING MEANS 2 Sheets-Sheet 1 Filed April 22, 1922 MNM.. Y

aww/wkn, HAROLD B. KL INE.

annual:

2 Sheetsheet 2 4 2 lllll IIMIWIIIIIII H. B. KLINE AUXILIARY BANKING MEANS Filed April 22, 1922 Jan. 12 1926.

Patented Jan. 12, 1926.

HAROLD B. KLINE,

TELLER CORPORATON,-OF7UTIC A, NEW YORK, A CORPORATION.

iinXImARYisANKING MEANS. f

Application mea Aprnza, 19422. serial 1ro. 555,991.

To all 'whom traag/concern.'

Be it known that I, HAROLD B. KLINE, a citizen lof the United States, and 'a resident of Utica, in the county of Oneidaarid 5 State ofNew York, have invented 'certain new and useful Improvements in Auxiliary/ Banking Means; and I dohere'by` declareK4 that the following isa full, clear, and'exact i descriptionthereof, which will enable othersv receipt in such transactions.

The purpose of this invention is toprovide such means especially adapted for use with machines that receive deposits of money where the machine fastens an identialso where the machine impresses a receipt upon a coupon presented by and retained by the depositor.

. l. further purpose iliary banking means that are simple in construction and use, easily understood and handled by the depositor, well adapted to standithe strain of use, economical in cost, of Wide use and well adapted to allow the machine to perform its functions with sureness, safety, convenience and detiniteness.

A further purpose is to provide such auxiliary means that are well. adapted to receive the moneyT presented `by the depositor and p the saine into the machine so as to provide means for securely holding the depositintact until it is to be opened, and to provide means annexed to each envelope for A readily and lsurely identifying the deposit-or of each envelope andto indicate the amount of the receipt given therefor, and to provide means for supplying the depositor with a receipt that is definite in amount and easily understood and readily kept by the depositor.

Another obj ect is to provide means of the character described that allows theenvelope to be provided economically and of one standard form no mattei-where-or 'by .whom` skilled in the art towhich it apperta'ins;to

and to identify the deposit and supply the fying-'coupon to the money envelope and is to provide such auX- l used and without danger of yconfnsion or loss of deposits."` Y v A further purpose'iso "provide"suc'hi` identifying means that each depositorfhas'v `his lown supply ofcoupons to identify fhis individual deposi.t`s "'and also asiipplyffof" 60 couponsto be severallymade into receipts fwhen presented with a'deposit to the'i chine. 1 Another purpose is 'to provide a stoclrde-l posit envelope well adapted for makingregl` ular deposits after the first deposit yand i which envelope may "be easily modified'to adapt it to bel used for the first" depositfor when the depositor does not have asupply"y of identifying coupons or receipt formsl" A further purpose-'isto provide :iuxiliary` bankingI means Iespecially* adapted for use' with the deposit receiving machine invented by me and for `which I nam .applyingfor United States Letters Patent by an application verified by me onthe nineteenth day` of April 1922. y p

Further purposes and advantages of my invention will appear from` the detailed specification hereof andv the claims'hereinafter set forth. .y f A Fig. l is a front view of an entirely transparent deposit-receiving envelope such as' may be used in one embodiment `of"`my invention.

Fig. 2 is a modification thereof consisting of an envelope having transparent windows therein of suflicientisize, number and of such location as to reveal the denomination of any bank bill placed inthe envelope.

Fig. 3 is an edge viewof a. deposit book embodying several features of my invention,y one page being shown extendedalone preparatory to being applied to the deposit envelope. l y

Fig. 4 is a front'view of the same book, showing one of the two-coupon or double coupon pages extended as in Fig. 3. y

Fig. 5 shows the envelope of Fig. 1 andf the depositbooks of Figs. 3 and 4, brought, together to the overlapping `position Vin which they are presented for use in theA deposit-receiving machine.

Fig. 6 is a front view .of the same, parts after the machine has yfastened to; the envelope the outer or identifying coupon and has impressed upon theinner coupon' the character to lcomplete the, receipt formed thereon, the two parts of the page are shown severed to indicate the severing of said dou-v Y an initial deposit or a deposit where the de-k positor has no deposit book of coupons, said modification consisting of alixing to the envelopea long tab which forms a handle for inserting the'envelope .into the machine and for removing from the machine the receipt that hasbeen impressed upon the intermedin ate portion of said long tab.

Fig. 8 is al plan view of said tab separately.

Fig. 9 is a plan view of the said initial deposit` envelope after the inner part of the tab hasV been further fastened to the envelope and the envelope Hap and severed from the receipted portion, the 'part remaining with the envelope also having had impressed thereon a' character to 'denote the amount of the deposit receipted Lior.

Referring to the drawings in a more particular description it will be seen that the envelope .15 of Fig. 1 is formed of such size as to receive flat therein an unfolded bank bill and is lformed of transparent paper or other transparent suitable material, of such transparency that any bank bill placed in the envelope is revealed distinctly enough to have its denomination readily seen. y

The `envelope 15 is formed with an extension or tab 16 at one end which` tabv or extension cannot be occupied by the money in the envelope. This may be done by pasting or otherwise fastening together the front and back of the envelope at that Zone or by forming said extension as a single layer beyond the envelope proper.

The enevelope 15 is also formed alongv one of its long edges with the usual opening which is closed in the usual way by a flap 17 extending from the front of the envelope as seen in Fig. 1 and adapted to be sealed down against the back of the envelope in the usual way by the depositer after he has placed his money in saidy cnvelope. y

At the end of the envelope opposite the tab k16 the flap is extended into line with that end of the envelo e forming an enlargement 18 upon the ap which when the flap 17 is folded down upon theenvelope, overlaps vthe tab 16 to a point say a little past its middle as indicated in Figs. 5 and 6. The deposit book 19 comprises a plurality of pages or sheets 20 each 1n double coupon form orcomposed of two coupons, an inner coupon 21 and an outer coupon 22. All kkthe coupon books or deposit 'coupons of each page.

book-identifying books have an individual number or character indicating the identity of that book and this book-identifying character is repeated on both the inner and the outer On the page of the deposit book shown in Figs. 14 and 5 the letters and numbers (ir-147 represent these characters. It understood of course that the books are individually lettered or numbered in this way so that the bank upon issuing a dewill be posit book may make a record of the num ber thereof as upon the depositors original signature card and that thereby deposits coming back to the bank with deposit-identifying coupons of a given number are placed to the credit of the depositer having the bank bookor deposit book o'f that numi ber.

The outer coupon 22 is readily sever-able from the inner coupon as by being cut along the dotted line 23 by the deposit-receivingmachine that this invention is intended to be used with. To allow of the use of a holder to hold the page of the deposit book in overlapping position? relative to the en velope while the deposit envelope and coupon are being presented to the mmfhine. the page adjacent each edge is cut away for some distance along` the line ofthe dotted line 23, producing recesses 24.. This allows the said holder to project some distance in from each long edge of the coupon and still allow of the two coupons ot eachl page being readily severable by the machine by the use ot severing jaws oi' less length than the width of the envelope 15 or body of either coupon 21 or 22.

In addition to the deposit book identifying number or really account number above mentioned each coupon of each page will preferably also have thereon similar or cor-. responding characters to indicate the separate coupons or deposits to be made by the book. Iny other words each'page of a deposit book will have thereon a serial number as 1 for both coupons of the iirst page 2 for both coupons of the second page and so on through the entire book. This identiication of the individual deposits and receipts coming from a given depositor aii'ords a further check or safeguard for the use of the depositer and of the bank with which the deposit is made. n

Upon the inner coupon ofk each page, that is the-coupon which is to be temporarily' inserted in the machine and then withdrawn by the depositor, there is printed the Jform of a receipt such for instance as the words Subject to the by-laws contained in your pass book we have received EB which we agree to vtransmit to the New City Bank for deposit to your account National Service Co. llhen this coupon is placed in 'adeposit-receiving machine such as a machine shown in my co-pending application for patent upon deposit-receiving machine there will be impressed upon the receipt coupon in some form as by printing7 embossing or perforation a character preferably the numeral indicating the amount of the deposit and preferably this added character will be so placed as to plainly complete the wording of the receipt as by placing the character 5 for instance after the printed sign in the receipt above outlined it will be obvious that the form of the receipt may be varied as circumstances require and of couse the name of the bank to which the money is to be sent will vary to accord with the facts. As is suggested by the form of the receipt above set forth the money received may be receipted for by a company which is not the bank but a company supn plying or operating the machines and acting as the. agent of the depositor to trans mit the money to the bank.

` Preferably the amount thus plainly stamped or impressed upon the receipt coupon will be also stamped or impressed upon the outer coupon 22 so as to indicate to the bank oiiicials the amount that is supposed to be in the envelope and the amount for which a receipt has been given. The character impressed for this purpose upon the outer coupon may be the numeral corresponding` to the receipt impression made upon the receipt such as the numeral 5 or it may be an entirely different number or letter the significance of which is known only to the bank oiiicials and so not understood by the employee who may collect the deposit envelopes from the deposit-receiving machine.

As already intimated the outer coupon is intended to be inserted in the deposit-receiving machine in position to overlap the tab 16 projecting from the outer end of the envelope and when in the machine in this position the coupon 22 is securely fastened to the said tab. As the deposit operation is completed this coupon is severed from` the inner coupon 21 and remains with the envelope as the means for identifying` the owner of the deposit. In Fig. G the means for so fastening the outer coupon 22 to the envelope tab 16 is represented by the wire staple 25 aiiixed to said parts during the pro-v cess of receiving the deposit but it will be understood that any other form of fastener that can be readily automatically applied by mechanism and that is relatively nondetachable will be satisfactory.

It will be noted, futhermore, that the fastener 25 also serves as an auxiliary fastening or sealing device of the envelope in that it fastens the enlarged portion 18 of the flap 17 to the back of the tab 16 and so prevents the envelope from being opened and the money removed therefrom with out leaving plain evidence that the envelope has been opened.

In practice the coupon book or deposit book 19 will have in addition to the proper number of two coupon pages several pages such as are ordinarily found in a bank de posit book wherein the bank officials may make the usual entries of deposits from time to time. This is done by the bank oflicials after they have checked up the receipt coupons in the coupon book and compared them with their own record of deposits received. lt will be seen that the means provided for receiving and identifying the deposit are such that if the amount of a deposit in an envelope varies from the stamped indication thereof also found on the envelope the bank official will be warned thereof before opening' the envelope and this envelope can be laid aside to await the arrival of the depositor and show him for instance that the deposit receipt that he has for live dollars was obtained when he really deposited onlv two dollars and the unopened envelope sealed up by the depositor and still on hand is unanswerable evidence as to the real amount of the deposit.

In practice also there will preferably be added to the impression or perforation forming the numeral placed upon the receipt 'coupon an additional character to identify the particular machine where the deposit was made. Under certain circumstances it is a possible advantage to haveV the receipts presented show to the bank officials the machine that gave the receipt. Preferably also this identification of the individual machine is done in such a way as not to be noticeable to the depositor. As indicated upon Fig. 6 of the drawing this machine-identifying character may be simply an additional perforation as 26 placed near as below the punched numeral 5 on the receipted coupon. By varying the number and arrangement of these additional punch marks a system is readily worked out which will identify the machine that impressed the receipt upon the coupon.

Figs. 7 9 show a modification of the regular deposit-receiving envelope adapted for use by the depositor in making his initial deposit. At that time the depositor has no bank book or coupon book to identify the envelope presented by him, but the identification of the first envelope is effected by the depositor either writing his name upon the envelope or in practice by his writing his name and other desired information upon the deposit card usually signed. by the depositor when opening a bank account and placing such deposit card in the envelope with his deposit. This forms a sufficient means of identifying the depositor and also enables the bank to prepare a deposit book lli) for that depositor. In order, however, that the envelope may be used for this first de: posit which is as near as possible to the stock envelope used for subsequent or regular deposits l provide an initial deposit envelope the envelope proper of which is the same as that used for the regular deposits. To this envelope, however, is securely affixed a long tab 27 shown in Fig. 9 which corresponds very closely with the shape and arrangement of the double coupon found in the deposit book above described. Thepart 28 of this tab corresponds to the shape of the outer coupon 22 but is permanently secured to the tab 16 on the end of the envelope The intermediate portion 29 of the long tab 27 corresponds to the receipt coupon 21 of the page of the deposit book and has printed thereon the wording of a receipt in blank which is completed when this initial deposit envelope is placed in the deposit-receiving machine by having inipressed thereon tlie numeral corresponding to the amount of the deposit. The eXtra length andstiness of the tab 27 enables its extreme right-hand portion as 30 to form a handle for placing the initial deposit envelope in the deposit-receiving machine in proper position and for withdrawing the receipt 29 after the deposit operation has been completed. initial deposit envelope 15A will receive through its tab 1G and the portion 28 of its long tab 27 the usual staple 25 ordinarily -T used to fasten the outer coupon of a coupon book to the envelope. In the case of initial deposit envelope, however, this stapling is a surplus movement as far as fastening the portion 28 to the tab 16. The fastening operation, however, is still useful in that it has fastened the enlarged flap 18 to the tab 1G and the special tab 28 of this envelope to form the supplemental sealing means already described in connection with regular deposit envelopes. r1`he long tab 27 is also shaped like the page from the coupon book in that it has the recess 24 on both upper and lower edge along the line where As indicated in Fig. this` nomination of the money and having a long tab projecting from one end, the interme dia-te part of which is adapted to have impressed thereon a receipt and the outer end of which forms the handle for placing the envelope into Vthe machi-ne and for with-` drawing the receipted part after it is severed by the machine from the envelope.

2. Auxiliary banking means for use with a machine for receiving deposits of money,

consisting of an envelope to receive the money and carry the same into the ma chine, said envelope having-a portion oi tab not occupied by the money and adapted to have stapled thereto by the machine a coupon to identify the deposit, said envelope having a flap to besealed by the depositor after the money is placed in the envelope, said flap also over-lapping the part ofthe envelope extension or tab to receive the' envelope having a long tab projecting fromy one end, the intermedi-ate part of which is adapted to have impressed thereon a receipt and also adapted to receive from themachine an impression to indicate the individual machine giving the receipt and the outer end of which forms the handle for placing the envelope into the machine and for withdrawing the receiptedl part after it is severed by the machine from the envelope.

4. For use with a deposit-receiving machine, an envelope of proper size to receive a bank bill, said'envelope having sufficient thereof transparent to reveal the denomination of the bill and having a long` tab projecting from one end, the inner portion of which is adapted to receive animpression indicating the amount receiptedi for, theintermediate part of which is adapted to have Y impressed thereon a receipt and the outer end of which forms the handle for placing the envelope into the machine and for withdrawing the receipted part afterit is sevl ered by the machine from th'eyenvelope'.

In witness whereof I V:have affixed my signature, this 19th day of April, 1922. HAROLD B. KLI-NE. 

